JPS59221768A - User confirming system - Google Patents

Abstract

PURPOSE:To prevent the foul use of stolen or found cards with an automatic cash payment machine by performing collation of a password number as well as the optional register additional data that cannot be known by a third person. CONSTITUTION:When a card is put into an automatic cash payment machine, the passward number of the card is read by a read/write part 13b. Then the password number fed from a keyboard 40 is collated through a comparator 38. When the coincidence is obtained from the collation, the identity of the card owner is confirmed. In this case, the additional data if registered is fed and held at a buffer 36. At the same time, the communication is carried out with a host computer. Then the additional data is read out and transmitted. The input additional data is collated with the registered additional data through a comparator 39. When the coincidence is obtained, the cash is delivered. If no coincidence is obtained, the foul use of the card is decided. Thus the card is collected and at the same time the necessary inspections are carried out.

Description

Detailed Description of the Invention (a1 Technical Field of the Invention) The present invention relates to a method of using a transaction operating device such as an automatic teller machine, which is operated by a user to carry out a transaction, and particularly to prevent unauthorized use of a stolen or found card. Concerning user confirmation methods to prevent

(Background of BL technology) In recent years, automatic cash dispensers (CDs), which are transaction operation devices, have been used at counters of financial institutions as part of computer banking systems.
and automated teller machine (8 automatic T)
e1l-er Machine: hereinafter referred to as ATM)
etc. are widely used. These devices are operated using a credit card 1 (hereinafter referred to as a card) or a bankbook, and transactions such as cash payments and deposits are performed.

Due to its convenience, its usage is increasing, and the number of installed cards and the number of users is also increasing. However, as a result, incidents of theft and unauthorized use of found cards are increasing, and a method to prevent this is desired. It is rare.

(cl Conventional technology and problems Below, we will discuss the conventional method using TM as an example. Figures 1 to 4)
This will be explained with reference to the figures. FIG. 1 shows A to which the present invention is applied.
FIG. 2 is a sectional view taken along line A, -A in FIG. 1, and FIG. 3 is a partially broken sectional view taken along line BB in FIG. 1.

As shown in FIG. 1, an ATM has a card insertion slot 1 and a passbook insertion slot 2 arranged side by side on the front of the device, and a banknote insertion slot 6 and a cash withdrawal slot 3 on the left side of the panel below. Arranged on the right side is a keyboard 4 for specifying transactions such as deposits, inputting a personal identification number and transaction amount, and a display 5 for displaying and guiding the customer regarding operation details.

Inside the device, as shown in FIG. 2, behind the upper passbook insertion slot 2 and on the right side in the figure, there is a read/write unit 13a that reads and writes the magnetic stripe of the passbook 11, and a read/write unit 13a that prints transaction details on the passbook 11 and journal paper 20. A printing section 14 is provided.

There is a discrimination section 21 in the center of the device that discriminates the authenticity, denomination, and front and back of the inserted banknotes 10, and on the right side there is an alignment pool section 22 that partially pools the banknotes 10.
A discrimination section 23 for discriminating the denomination of the banknotes 10 fed out from the control section 18 and the alignment pool section 22 is arranged below the control section 18 and the alignment pool section 22.

The lower blade of the device includes a storage box 24 in which banknotes 10 are stored by denomination.
Reject box 25 that is stored when there is a feeding failure such as double feeding of banknotes a to 24c and banknotes 10.
is provided. A mechanism for storing and feeding out banknotes 10 is provided at the upper part of the storage boxes 242 to 24C.

Further, as shown in FIG. 3, behind the upper card insertion slot 1,
A read/write section 13b for reading and writing the magnetic stripe of the card 17 and a printing section 15 for printing transaction details on the cash register 1 are provided on the right side in the figure.

Since it has such a configuration, an example of how this device is used is to explain deposits and withdrawals. First, when a customer wants to make a deposit, he or she presses the deposit button on the keyboard 4 to indicate his/her intention, and then follows the operation guidance displayed on the display 5. When the passbook 11 is inserted into the passbook insertion slot 2, the magnetic stripe on the back of the passbook is read by the read/write unit 13a, and the banknote 10 is inserted into the banknote slot 6 after the account number is confirmed.

The device discriminates the authenticity of the banknotes 10 in a discrimination unit 21, returns the invalid banknotes to the cash dispensing port via route A-C indicated by the arrow in the figure, and sends the genuine banknotes 10 to the pool unit 22 via route D. They are pooled with the front and back sides aligned, and the amount is counted and displayed on the display 5.

When the customer confirms that the amount matches the deposited amount and presses the confirmation button on the keyboard 4, the deposit amount is printed on the passbook 11, the transaction details are printed on the journal paper 20, and the details are printed in the device. The bankbook 11 is returned from the bankbook insertion slot 2 and the transaction is completed.

Then, the banknotes 10 are
are fed out, and the denominations are again discriminated by the discrimination section 23 at routes E, F, B, G and (1), and stored in the storage box 24 according to denomination.

If there is an error such as a double foot' in the feeding by the feeding section 22a, the banknote 10 is stored in the reject box 25 through the route I.

Further, when the customer presses the deposit cancellation button, the dispensed banknotes 10 are returned to the cash dispensing port 3 via routes E, F, B, and C. When making a deposit using the card 17 without using the passbook 11, a receipt is issued.

When paying out cash, the user presses the payout button, inserts the card 17 into the card insertion slot 1, and inserts the bankbook 11 into the bankbook insertion slot 2. After that, if you enter your personal identification number for identity verification and press the key for the payout amount, it will be displayed on the display 5 as shown in Figure 4. When you press the amount confirmation button, the amount will be displayed above the storage boxes 242 to 24G. The banknote 10 is fed out by the feeding mechanism and passes through routes J, F, B, and C.
Banknotes 10 are dispensed from the cash dispensing port 3.

During this time, reading confirmation is performed in the card 17 barrage I section 13b, transaction details are printed on the bankbook 11 and journal, the journal is wound up in the device, and the bankbook 11 is returned from the bankbook insertion slot 2. .

If the passbook 11 is not inserted and the payment is made using the card I7, a receipt will be issued.

At some ATMs, when a user applies to a financial institution to issue a card, the user fills out the card issuance request form, and the card is issued based on this form, so the PIN number is also kept as a document at the financial institution. , a third party can learn your password.

Also, since the PIN number is magnetically recorded on the card as part of the customer data, a third party with knowledge can easily read it and know it.

The customer's PIN number is written on the ATM and computer center 4.1.

Therefore, there is an increasing number of accidents in which a customer's PIN number is known to a third party by some means and a stolen or found card is used fraudulently, and there is a need for a method to prevent such accidents. .

(d) Purpose of the Invention The purpose of the present invention is to meet the above-mentioned demands.The purpose of the present invention is to enable users to prevent fraudulent card usage by additionally inputting a customer code other than a personal identification number at the time of transaction. Provides a confirmation method.

(Structure of the e1 Invention The present invention includes a storage unit that holds registered additional data that is not written on the card medium, and a means for registering the registered additional data by the user, This is a user confirmation method that compares data with registered additional data held in a storage unit and executes a transaction when they match, and in this way, the purpose can be achieved.

(f) Embodiment of the Invention An embodiment of the invention will be described below with reference to FIGS. 4 to 6. FIG. 4 is a system block diagram showing an embodiment according to the present invention, FIG. 5 is a block diagram explaining FIG. 4, and FIG.
The figure is a flowchart of FIG. 4. The same reference numerals indicate the same objects throughout the figures.

In FIGS. 4 and 5, 26 is a computer center, 26a is a host computer, and 26. b is the customer file, 26e is the registration data, 27 is the line control unit,
27a is a transmission buffer, 27b is a reception buffer, 28 is a main control section, 29 is an encoder, 30 is a phase input control section, 3
1 is a phase input mode control unit, 32 is a transaction mode storage sofa, 33 is a password input cover sofa, 34 is a money amount handler cover, 35 is an additional data mode, 36 is an additional code buffer, 37 is a card magnetic slide buffer, 38 ,39
is a comparison circuit, 40 is a keyboard, and 41 is not an ATM.

The customer file 26b is an electronic file composed of, for example, a magnetic disk and stores customer data, and stores the customer's account number, PIN number, and deposit balance, as well as registered additional data 26c. .

The registered month data 26c is arbitrary data that is registered by the customer's button operation in order to prevent unauthorized use of the accident card, and is recorded only in the customer file 26b of the computer center 26, and is not stored on the card 17 or at the financial institution store. has not been recorded at all.

The line control section 27 controls the main control section 28 to send the data input to the transmitting station 27a to the host computer 26a, as well as receiving data from the host computer 26a and sending it to the receiving station 827b.

The encoder 29 converts a signal from hardware so that it can be read by software, and is an IC circuit that converts an inputted number or character into a bit code.

The phase input control section 30 controls the switching of the transaction mode of the transaction mode storage buffer 32 by phase input, and also controls the switching of the transaction mode of the input password buffer 33 . It has a function of sending data to the amount input buffer 34 and sending additional data to the amount input buffer 36 when switched to the additional data mode 35.

The phase input mode control section 31 operates according to the command from the main control section 28.
This displays a display for the customer to select a transaction mode, and also activates the human power control section 3o.

The transaction button storage buffer 32 stores transaction modes such as payout and deposit 1 passbook entry, and has a function of starting the designated mode of the 2nd day in the main control section when mode 1- is designated.

The input PIN 8+E buffer 33 stores the PIN number that the customer presses on the button on the keyboard 40, and this PIN number is read and verified when the card 17 is inserted and is checked against the registered PIN 8il- in the computer center 26. used for.

The amount information cover/fa 34 has a function of holding the entered amount data and sending it to the main control section 28.

The additional data mode 1-35 is started by operating the month data registration button 40a, and sends a signal to the main control unit 28 (=J
This is a data registration mote.

8 Manual additional data The sofa 36 retains the input additional data, sends it to the computer center 2G when registering the additional data, and sends it to the post computer 26 during verification.
In order to check with the registration additional data 26c sent from a,
It outputs additional data.

The card magnetic stripe buffer 37 holds the customer data read from the magnetic stripe of the card 17, outputs the password data for checking with the input password data, and also outputs the data on the deposit balance to be sent to the center 26. It is something.

The comparator circuit 38 is an AND circuit, and has the function of comparing the password read from the car lξ17 with the password entered manually from the keyboard 40, and sending a signal to the control unit 28 when they match.

The comparison circuit 39 is an AND circuit, which compares the additional data entered from the keyboard 40 with the registration Q* ('J addition data 26
It has a function of checking C and sending a signal to the control section 28 when they match.

In addition to data input buttons, the keyboard 40 includes an additional data registration button 40a.

Since it has such a structure and function, when performing a payout transaction using this method, as shown in FIG.
The password was read on part 13b, and the keyboard 40
A comparison circuit 38 compares the password entered from the terminal.

If this matches, it means that confirmation of the card holder has been completed.

When using the card 17 for the first time, etc., when the additional data is not registered, a message prompting the customer to register the additional data will appear on the display 5 of the device, so the customer must press the additional data registration button 40a on the keyboard 4o and then press the additional data registration button 40a. ,
Enter any additional data. The input additional data is held in the input additional data buffer 36.

Next, when the payout amount is inputted, communication is performed with the host computer 26a, and the input additional data is stored in the customer file 26b as registered additional data 26C.

On the other hand, the transaction data is transmitted from the host computer 26a and the withdrawal process is performed.

Then, the customer data such as the deposit balance is updated on the magnetic stripe of the car 1''17, and a registration symbol with additional data registered is written.

If additional data has already been registered, press the keyboard F'
When the user enters the password 40 and then inputs additional data, the password is verified and the additional data is held in the input additional data buffer 36.

Next, the payout amount is inputted using the keyboard 40.

Then, communication with the host computer 26a is performed, and data on transaction details is transmitted from the host computer 26a, and registered additional data 2 is also retrieved from the customer file 26b.
6C is read and transmitted.

Then, the input additional data and the registered additional data 26C are compared in a comparator circuit 39. If this matches, the withdrawal process will be performed in the same manner as described in the conventional example.

If the input additional data and the registered additional data 26b do not match, it is assumed that the card 17 has been used fraudulently, and the card 17
will be collected and the necessary investigation will be conducted.

In this way, theft and unauthorized use of the found cart can be prevented by verifying the personal identification number as well as any registered additional data unknown to a third party.

Another method is to provide an additional data input button (not shown) on the keyboard 40, and instead of recording the registration of additional data as a registered symbol on the card 17, the user enters the PIN number each time a transaction is made. You may also use a method of inputting the additional data after pressing the additional data input button.

This method has the effect of further increasing the degree of confidentiality.

In the above example, we explained how to check for unauthorized use of the card 17 by using the data added as an extension of the PIN number, but if the customer does not make a mistake in the number of transactions in regular transactions, the number of transactions A similar effect can be obtained by specifying the number of transactions and checking the number of transactions on the post computer 26a.

However, in this case, it goes without saying that the post computer 26a needs to be equipped with an addition verification function.

In addition, in the above example, an example of the ATM 41 connected online to the combination 1-ta center 26 was explained, but a specific ATM
When the card 17 is used offline, unauthorized use of the card 17 can be similarly prevented by providing a file (not shown) in the ATM in which additional data is registered.

(g1) Effects of the Invention According to the present invention, by verifying the PIN number and optional additional data that is not known to a third party, it is possible to prevent theft, fraud, and fraudulent use of the M card. Furthermore, it has the effect of: - It can be applied without changing the contents of the card, so it is possible to change the system without collecting the currently issued cards.

■Hardware changes are slight.

■High degree of confidentiality as additional data is recorded only in the registration file.

There is an effect.

[Brief explanation of drawings]

FIG. 1 is a perspective view illustrating an ATM to which the present invention is applied;
Figure 2 is a cross-sectional view taken along line A-A in Figure 1, and Figure 3 is a cross-sectional view of Figure 1.
FIG. 4 is a system program diagram showing an embodiment of the present invention, FIG. 5 is a block diagram explaining FIG. 4, and FIG. The figure is part-1 of the flowchart in FIG. In the figure, 26 is a communication center, 26a is a POS 1 computer, 26b is a customer file, 26C is registered additional data, 27 is a line control unit, 28 is a main control unit, 2
9 is an encoder, 30 is a human power control section, 31 is a human power mode control section, 32 is a transaction mote storage buffer, 33 is a password entry cover/7 fa, 34 is an amount input buffer, 35 is an additional data mode, and 36 is an addition. Data Ha Sofa, 38.3
9 is a comparison circuit, and 40a is an additional data registration button. Figure 1, a, Figure 5

Claims (1)

[Claims] It has an operation section through which a user inputs an operation, an insertion slot into which a card medium holding customer data of the user is inserted, and a reading section that reads the customer data of the card medium inserted from the insertion slot. , in a transaction system in which a transaction is carried out based on the data input from the operation section and the customer data read from the card medium after the identity is verified by inputting a password from the operation section; The apparatus is equipped with a storage section for storing unwritten registered additional data, and a means for registering the additional data by the user, and the input additional data inputted from the operation section and the registered additional data held in the storage section are stored. A user confirmation method characterized in that the transaction is executed when a match is found.